During my searches on multiple platforms I have come to the realisation that there are a spate of ‘self help’ tools, apps and articles at the moment. Many of them perform the same task, but simply have a different name or interface.

My name is Goodness Tokozile Ngubeni. I am 50 years old. I met Albert Johnson in 2005. He came to advise me in terms how to save money and other policies. I took a risk of surrendering some policies which were long BUT have not much benefits e.g. funeral policy which was more than 9 years but the value was not good.

I would like to give a testimonial on how my life has changed in just a short 3 year period. I met AJ just about 3 years ago and I was in financial turmoil just coming out of a retrenchment and deep in debt, with only my hopes of owning my own home and being debt free.

Life stops with your education, that’s what I firmly believe and why I urge all of my clients- even those who are NOT parents to consider putting aside some money to further their skills later in life.

Here is a statistic that might frighten you: Over the last 5 years, our offices have seen a massive year-on-year increase in critical illness claims. These range from cancer, to cardio vascular disease, to multiple sclerosis.